What is Buy Now Pay Later?

Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch). You can choose;

Buy Now Pay Later for 6 months when you spend £50 or more
(1 month = 28 days)

Buy Now Pay Later for 12 months when you spend £200 or more
(12 calendar months)

How is interest calculated?

Interest is calculated daily from date of order, compounded every 28 days and added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.

How to avoid paying interest?

You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Making partial payments without clearing the cash price in full will reduce the lump sum of compound interest charged at the end of the delayed payment period.

Remember if you choose not to pay the cash price before the end of the delayed payment period, any outstanding balance plus a lump sum of compound interest will be charged to your Very account.

How do I make a Buy Now Pay Later payment?

To make a full or partial payment simply log into My Account, choose “Make a payment”, select “Pay Buy Now Pay Later” and allocate your payment to the specific Buy Now Pay Later you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?

If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your Very account. Any outstanding balance plus the interest will now become payable on your account.

As the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request every 28 days and cannot be repaid using Take 3.

If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

What is excluded from Buy Now Pay Later?

The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.

Do I still have to pay my minimum payment?

Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Very account. If you have a non-Buy Now Pay Later balance on your Very account you will still need to make at least your minimum payment as shown on your statement.

Over 18s only. Credit provided, subject to credit and account status, by Shop Direct Finance Company Limited. Authorised and regulated by the Financial Conduct Authority.

Simply place your first credit order before 26th February 2016 and enter the code 6UA3V at the checkout.

Representative 39.9% APR variable.

The 20% discount cannot be used in conjunction with any other offer codes and cannot be used on the following ranges; iPhones, audio, gaming, computers, projectors and tablets. Sale items, financial services products and delivery charges are also excluded from the offer.

Over 18s only. Credit provided subject to status by Shop Direct Finance Company Limited. Authorised and regulated by the Financial Conduct Authority.

Representative 39.9% APR variable

Choose to pay with monthly payments from the minimum payment to the total balance.

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From your morning coffee to plugging into your favourite music, would you be lost without these little pleasures in life? Replacement Guarantee protects your electrical items against accidental damage from day one and mechanical and electrical breakdown after the manufacturer's warranty ends.

Whatever you're doing, from capturing precious memories on camera to tracking your activity, styling your hair to ironing, would you need a replacement if your item stopped working? If it breaks we'll aim to get you a new one in 2 days so you can continue to get more out of every day.

Do you need your items to be replaced with nothing extra to pay? We'll replace your item quickly with no excess to pay for up to 4 years including the manufacturer's warranty.

The full list of benefits and exclusions can be found in the policy terms and conditions.

The compact Sony MHC-M20D High Power Home Audio System is built with fun in mind.

You've got multi source playback options with CD, DVD, Bluetooth streaming and USB, as well as access to all your favourite radio stations.

Enjoy powerful, immersive audio thanks to S-Force Front Surround to really bring all your favourite tunes to life and get the party pumping – and wait until you hear the Mega Bass function kick in!

Bluetooth wireless streaming is incredibly easy to set up and LDAC sends 3 times more data (up to 990 kbps) for a superior listening experience.

You can also DJ effects for exciting sound manipulation – Flanger, Wahwah, Isolator and Pan – all adjustable through the the Fiestable app on your smartphone or tablet. Getting creative with your party playlists has never been easier! You can also wirelessly connect up to 3 phones at once.

Switch the Sony MHC-M20D into Football Mode to enjoy an authentic stadium experience, including the option of turning down the commentary and increasing crowd noise for a incredible big match feel. You can also watch movies via the built-in DVD player and enjoy stunning sound that brings your favourite scenes to life. Connecting your TV is simple – all you need is an HDMI cable.

Play tracks stored on a USB device, or make your own playlists with CD-to-USB recording. You can also use the microphone input to test out your vocal skills!

£20 back when you spend £200 using code QUICK20
£30 back when you spend £300 using code QUICK30
£40 back when you spend £400 using code QUICK40

Sale items, Financial Services products and delivery/installation charges are excluded from the offer. Each code
can be used once until 9am, Monday 24th February 2020 and cannot be used in conjunction with any other discount
code or promotional offer. We will charge the full order value and then apply the credit back to your chosen
payment method once the order is dispatched. Please note that if you return items from the order, the credit
will be reversed if the order value falls below the minimum required.

Apply to upgrade to a credit account and on your first credit order of £60 or more we’ll give you £30 credit back to your account.

How to get your offer:

At the checkout click on Apply for upgrade.

Once you have your upgraded account, place an online order spending at least £60, and then enter the code PAPXM.

We will charge the full order value then apply £30 credit back to your account once the order is dispatched.

The code can only be used once, and not at the same time as other offer codes. Pre-order and sale items, Financial Services products and delivery/ installation charges are excluded from the offer. Please note that if you return items from the order the credit will be reversed if the order value falls below the minimum required.

What is Buy Now Pay Later?
Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12
months depending on how much you spend. The delayed payment period starts from the date of order (including
pre-ordered items and those not ready for immediate dispatch).

You can choose:
Buy Now Pay Later for 6 months when you spend £50 or more (1 month = 28 days).
Buy Now Pay Later for 12 months when you spend £200 or more (12 calendar months).

How is interest calculated?
Interest is calculated daily from date of order, compounded every 28 days and added to your account as a lump
sum at the end of the delayed payment period. This means you will pay interest on interest.

How to avoid paying interest?
You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this
can be done in one full payment or multiple partial payments.

Making partial payments without clearing the cash price in full will reduce the lump sum of compound interest
charged at the end of the delayed payment period.

Remember if you choose not to pay the cash price before the end of the delayed payment period, any
outstanding balance plus a lump sum of compound interest will be charged to your Very
account.

How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay
Later" and allocate your payment to the specific Buy Now Pay Later you wish to pay off. Alternatively, you can
call us.

What happens after the delayed payment period?
If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be
charged to your Very account. Any outstanding balance plus the interest will now become payable on your
account.

As the outstanding balance, plus the interest now form part of your payable balance they will attract interest
at your account rate, meaning you will pay interest on interest. This will be included within your
account minimum payment request every 28 days and cannot be repaid using Take 3.

If you have paid the cash price in full before the end of the delayed payment period, you will not pay any
interest.

What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay
Later. Buy Now Pay Later availability is subject to your credit and account status.

Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Very account. If you
have a non-Buy Now Pay Later balance on your Very account, you will still need to make at least your minimum
payment as shown on your statement.

Why pay all in one go when you don't have to?

Take 3 is always available on your Very Account for every item you purchase, any time you shop.

You don't need to select Take 3 at checkout, simply add your purchases to your account and we will
automatically calculate your Take 3 payment for you.

All you need to do is pay the Take 3 amount shown on your statement, by the due date and you'll pay no
interest on the items you purchase today.

There's no extra cost, just a handy way of splitting the cost of your purchases.

You can use Take 3 as many times as you want as long as you have the available credit limit on your Very
Account.

With Take 3 you can choose to pay less than the Take 3 amount. However, if you do, interest will be charged
at your account rate.